Other Services
Estate Planning
Estate planning brings together the arrangements that determine how your assets and decisions are handled, during your lifetime and afterwards.
Overview
What is estate planning?
Estate planning is the process of organising your affairs so that your wishes can be carried out with as little difficulty as possible. It typically brings together a will, any trusts, lasting powers of attorney for financial and health decisions, beneficiary designations on pensions and policies, and recorded funeral preferences.
It is as much about the practical experience of the people who will act for you as it is about tax. Clear documents, held in known places, save families a great deal of difficulty at a hard time.
Who might this be suitable for?
- Homeowners with property and pensions to pass on
- Clients wanting to appoint attorneys for future decisions
- Families with blended or complex arrangements
- Clients reviewing beneficiary nominations on policies and pensions
How Help to Lend can help
- 01We identify the areas worth reviewing alongside your mortgage and protection planning.
- 02We explain how policies written in trust can sit outside the estate.
- 03We refer you to appropriately qualified legal and tax professionals.
- 04We help keep the documentation aligned as your circumstances change.
Assessment
What may lenders and providers consider?
Powers of attorney
Separate arrangements cover property and financial affairs, and health and welfare decisions.
Trusts
Trusts can control how and when assets pass, but they carry legal and tax consequences.
Beneficiary nominations
Pension and policy nominations sit outside a will and should be kept current.
Funeral wishes
Recording preferences reduces uncertainty for your family.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
- 20+ Years of Advice
- Whole of Market Panel
- Support to Completion